The Commercial & Savings Bank Mortgage Lending & HMDA Data, 2011
In 2011, The Commercial & Savings Bank of Millersburg, OH reported 302 mortgage applications totaling $42.8 million, down 15% from 2010. The average application was for $141,556, and applicants reported an average income of $63,086. 51% of its applications resulted in an originated loan and 25% were denied. Its largest markets were Canton-Massillon, OH (15), Cleveland-Elyria-Mentor, OH (3) and Columbus, OH (1) (applications in parentheses).
| Mortgage Company & Address | The Commercial & Savings Bank 91 North Clay Street Millersburg, OH 44654 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 |
| Total Number of Mortgage Applications | 302 |
| Total Mortgage Loan Application Amount | $42,750,000 |
| Average Mortgage Loan Application Amount | $141,556 |
| Highest Mortgage Loan Application Amount | $10,000,000 |
| Average Applicant Income | $63,086 |
| Highest Applicant Income | $1,996,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records The Commercial & Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
Mortgage Loan Application Detail Totals for The Commercial & Savings Bank in 2011
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 145 | $20,247,000 | $139,000 | $1,489,000 | $63,000 | $706,000 |
| Home Purchase | 120 | $21,283,000 | $177,000 | $10,000,000 | $70,000 | $1,996,000 |
| Home Improvement | 37 | $1,220,000 | $32,000 | $200,000 | $41,000 | $130,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 291 | $29,400,000 | $101,000 | $940,000 | $65,000 | $1,996,000 |
| Not applicable | 10 | $13,285,000 | $1,328,000 | $10,000,000 | $0 | $0 |
| Hispanic | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
| Not Provided | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 302 | $42,750,000 | $141,000 | $10,000,000 | $63,000 | $1,996,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 154 | $26,602,000 | $172,000 | $10,000,000 | $73,000 | $1,996,000 |
| Application Denied By Financial Institution | 74 | $8,256,000 | $111,000 | $940,000 | $47,000 | $275,000 |
| Application Withdrawn By Applicant | 55 | $6,154,000 | $111,000 | $260,000 | $57,000 | $194,000 |
| Application Approved But Not Accepted | 17 | $1,597,000 | $93,000 | $410,000 | $58,000 | $233,000 |
| Loan Purchased By The Institution | 2 | $141,000 | $70,000 | $78,000 | $87,000 | $121,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 29 | $2,497,000 | $86,000 | $940,000 | $41,000 | $169,000 |
| Debt-To-Income Ratio | 22 | $2,917,000 | $132,000 | $235,000 | $38,000 | $92,000 |
| Collateral | 15 | $2,115,000 | $141,000 | $400,000 | $72,000 | $275,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $291,000 | $97,000 | $152,000 | $49,000 | $55,000 |
| Other | 3 | $363,000 | $121,000 | $200,000 | $55,000 | $69,000 |
| Employment History | 2 | $73,000 | $36,000 | $70,000 | $26,000 | $27,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into The Commercial & Savings Bank's 2011 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess The Commercial & Savings Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Ohio, download the full spreadsheet
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